A flood can occur at any time of year. Most people associate a flood with springtime, when it floods out in anticipation of the long warm summer season. This can be true and there are certainly seasonal flooding events that happen in the spring as well, but more often than not, there is at least some type of ongoing or periodic flooding that happens year-round. This is where the term "flood damage restoration" comes in. Flood damage cleanup also includes the quick repair or replacement of non-functioning structural parts like damaged drywall and rotted wood in addition to the cleaning and prevention of mold or mildew growth.
If you experience damage to your property during a flood, you must file an insurance claim. Flood damage restoration involves getting the flooding repaired or replaced. Most insurance companies will also require that you file a flood insurance claim for any property damage that occurs within their policies. After you have filed your claim, your insurance company will either pay for the damages or file an insurance claim for you. In either case, your next step will be determining what type of damages you are responsible for paying.
Some claims for flood damage cleanup are covered by insurance, while others are not. For example, a roof leak that dries out insulation may be covered by your homeowner's insurance policy. However, most insurance companies won't cover any leaking plumbing system or structural damage. The good news is that many damage claims are covered by your homeowner's policy. You can usually expect to pay all or part of the cost of flood damage cleanup, including repair costs.
If your flood damage cleanup involves structural damage, your insurance company will likely want to take custody of the property until the structural integrity of the building can be evaluated by a licensed architect. Your contractor may suggest that you hire a mold remediation firm to conduct an inspection, but you may want to consider a couple of things before making a final decision. Make sure that the mold remediation firm is licensed to conduct water extraction at the site of your flood damage. Water extraction is required by law if the building is more than 20 years old. You should also inquire about the company's ability to perform a water extraction with high-pressure.
The state of Florida requires contractors to complete a report detailing the flood damage repair work they performed. This report may also include a detailed list of materials used and the amount paid for them. It is a good idea to keep copies of this report in your files. If you discover shoddy workmanship on your home insurance claim, you may need to pay out more money than you expect. Unfortunately, if you discover unsafe building practices, you may need to face a lawsuit from the homeowners who were affected.
When it comes to flood damage repair, if you are not the homeowner, you will need to hire a professional to do the cleanup and restoration work. Flood waters eat away at everything, so you can bet that there are plenty of unseen damage spots on your home. Mold remediation experts are specially trained to detect hidden water damages and fix them as soon as possible. Your insurance company may cover some of the cleanup costs, but you may need to foot the rest of the bill. If your insurance company is unwilling to cover the full cost of the cleanup and restoration work, you may need to obtain financing.
Most insurance companies will offer some kind of financing options when it comes to flood damage restoration services. If you find that your insurance company is unwilling to help you with the costs of cleaning up and restoring your home to its pre-loss condition, you may need to obtain funding on your own. Drying facilities are available around the country that specialize in drying and repairing properties after a flood.